Reviewed from source documents

Generali Insurance AD

Generali

Generali is a motor third-party liability insurance for the Bulgaria market with online purchase and 24/7 assistance.

Last verified Sep 10, 2026Reviewed by: Boleron EUUnderwritten by: Дженерали Застраховане АД
Online purchase24/7 helpline

Direct payment

Injured third parties have a direct right of action against the insurer of the at-fault driver under the Insurance Code, allowing them to claim compensation directly from Generali as the MTPL insurer.

Geographic scope

Bulgaria and international

Republic of Bulgaria, all EU Member States, all EEA states, Andorra, Serbia, and Switzerland.

Unique selling points

  • Preferential pricing and special offers for experienced drivers over 40 years of age.
  • No-claims discount on renewal for private passenger cars owned by individuals with a claims-free history.
  • Fully online policy issuance and renewal via the Generali Online portal and My Generali app, with personal courier delivery of the physical policy nationwide within 2 working days.
  • SMS payment reminders before each instalment due date to help prevent coverage gaps from missed payments.
  • Discount on 'Auto Assistance' or Casco products when combined with an MTPL policy from Generali.

Coverage limits

Bodily Injury and Death Liability

BGN 10,420,000

Covers liability for bodily injury and death caused to third parties. Generali applies the mandatory minimum limit set by the Bulgarian Insurance Code: BGN 10,420,000 per event, regardless of the number of injured persons.

Source

Неимуществени и имуществени вреди вследствие на телесно увреждане или смърт до 10 420 000 лева за всяко събитие, независимо от броя на пострадалите лица.

Property Damage Liability

BGN 2,100,000

Covers liability for property damage caused to third parties. Generali applies the mandatory minimum limit set by the Bulgarian Insurance Code: BGN 2,100,000 per event, regardless of the number of damaged items or claimants.

Source

Вреди на имущество до 2 100 000 лева за всяко събитие, независимо от броя на увредените лица.

Legal Costs and Interest

Excluded

The IPID lists interest and court costs among the limitations of cover, together with devaluation of damaged property and fines or other financial sanctions imposed on the at-fault driver, which are explicitly excluded from the policy.

SourcePage 0

Section: Има ли ограничения на покритието?

Лихви и съдебни разноски; Обезценка на увреденото имущество; Глоби и други имуществени санкции за виновния водач във връзка със застрахователното събитие.

Green Card Certificate

Covered

A Green Card certificate is issued together with the MTPL policy at no additional charge, in line with the general rule applicable to Bulgarian MTPL policies, serving as proof of valid civil liability cover in Green Card system countries.

Source

се издава сертификат "Зелена карта" без допълнителна такса или друго плащане

Roadside Assistance

Optional

Roadside assistance is not part of the base MTPL cover. Generali sells a separate 'Auto Assistance for Bulgaria' product whose Mega+ and Lux+ packages are specifically available to customers who already hold an MTPL or Casco policy with Generali.

Source

Клиентите, които имат сключена застраховка Гражданска отговорност на автомобилиста или Каско на МПС могат да избират от пакетите Мега+ и Лукс+.

Driver Accident Cover

Excluded

Damages suffered by the at-fault driver of the vehicle are explicitly excluded from the MTPL policy.

SourcePage 0

Section: Има ли ограничения на покритието?

Вреди, претърпени от виновния водач на моторното превозно средство;

Passenger Accident Cover

Not established from the reviewed documents

The IPID does not establish a position on fixed-benefit accident cover for passengers; it only lists exclusions for the at-fault driver and family members' property. Separate 'Accident of Persons in Motor Vehicles' products exist in the market for this purpose.

SourcePage 0

Section: Какво не покрива застраховката?

Key conditions

Territorial scope

Coverage applies in the Republic of Bulgaria, all EU Member States, all EEA states, Andorra, Serbia, and Switzerland.

SourcePage 0

Section: Какво е териториалното покритие?

Република България, другите държави членки на Европейския съюз, всички държави от Европейското икономическо пространство, а също Андора, Сърбия и Швейцария.

Green card rules

A Green Card certificate is issued together with the MTPL policy at no additional charge and serves as proof of valid civil liability cover recognised by all Green Card system countries.

Source

се издава сертификат "Зелена карта" без допълнителна такса или друго плащане

Driver restrictions

The policy covers the liability of physical and legal persons for material and non-material damages caused to third parties in connection with the ownership and/or use of motor vehicles. Damages suffered by the at-fault driver are excluded.

SourcePage 0

Section: Какво покрива застраховката?

Отговорността на физически и юридически лица за причинените от тях на трети лица имуществени и неимуществени вреди, свързани с притежаването и/или използването на моторни превозни средства.

Claim notification deadline

Under Art. 430(1) of the Insurance Code, the insured must notify their MTPL insurer of the occurrence of the insured event within 7 working days.

SourceClause чл. 430, ал. 1

Застрахованият е длъжен във връзка с неговата гражданска отговорност в срок до 7 работни дни от:

Bonus-malus rules

A bonus-malus system is legislated under Art. 490a of the Insurance Code: for the purpose of setting the MTPL premium, the insurer adopts and applies rules for adjusting it based on claims filed over a given period.

SourceClause чл. 490а

застрахователят приема и прилага правила за нейното коригиране въз основа на предявените претенции за определен период от време.

Where to buy

Buy online on Boleron.bg
Buy MTPL Online – Generali Online Portal
Buy MTPL via My Generali App / Platform

Documents

IPID – Insurance Product Information Document for MTPL

IPID

Open

Policy specifics

Green Card Certificate

International motor insurance certificate issued free of charge for travel in Green Card system countries

Source

Mandatory Liability Limits

Minimum liability coverage mandated by the Bulgarian Insurance Code, as published by Generali on its MTPL product page.

Source

Online Purchase and Policy Delivery

Fully online policy issuance through Generali Online portal and My Generali app with free physical document delivery

Source

Online Purchase and Policy Delivery

Fully online policy issuance through the Generali Online portal and My Generali app, with personal courier delivery of the physical policy document nationwide.

Source

Premium Payment

Payment arrangements for the MTPL premium as stated in the product's own IPID.

Source

Start and End of Cover

Conditions under which the insurance cover period begins, per the product's own IPID.

Source

Sources